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Huntingdon Savings Bank

IDRSSD: 646471
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2024-Q4QoQ -5

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q4

Bank #646471 2024-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Strong
Reserves:Risk

Top 3 Watch Items

  1. info
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 102.8% (threshold 100%).
  2. info
    ALLL / NPL below 50%
    Reserves — Coverage 48.7% (regulatory soft-warning level 50%).
  3. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q3 2024:
↓ -5 ptscomposite
  • Liquidity
    ↓ -1
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -5
  • Reserves
    ↓ -25

The five pillars

Liquidity

StrongQoQ -1
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 102.8%, cash 17.2% of assets.

Cash / Assets
17.19%
Loans / Deposits
102.81%
Brokered %
0.00%

Watch Items

  • infoLoans / Deposits above 100% — Loans/Deposits 102.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 47.82%, CET1 47.82%, leverage 22.54%.

Tier 1 RBC
47.82%
CET1
47.82%
Leverage
22.54%
No watch items at this period.

Asset Quality

StrongQoQ -5
83
Sub-score

Asset quality is strong: Adjusted NPL 1.38%, Texas Ratio 4.8%, NCO YTD 0.00%.

Adjusted NPL
1.38%
Govt-guarantees stripped
Texas Ratio
4.8%
NCO YTD
0.00%
30-89 PD
1.74%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ -25
15
Sub-score

Reserves are weak: ALLL 0.67% of loans, coverage 48.7%, true coverage 48.7%.

ALLL / Loans
0.67%
Coverage
48.7%
True Loss Coverage
48.7%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.7% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 48.7% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.67% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 08:33:54 UTC